Will you buy legal weed or grow your own?

G

gb123

Well-Known Member
redi jedi said:
I dont think anyone wants the insurance industry to become a regulator...fuck that noise...building permits should solve any concerns those fuckers would have.

If I was growing tomatoes in my basement would they care? fuck no..
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they wont ever!!! No one would want to use their business!!!
 
TheRealDman

TheRealDman

Well-Known Member
redi jedi said:
I dont think anyone wants the insurance industry to become a regulator...fuck that noise...building permits should solve any concerns those fuckers would have.

If I was growing tomatoes in my basement would they care? fuck no..
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No they wouldn't care in most cases, but tomatoes are legal. I tried using the tomato grow, there's no reasoning with them. MMJ is still illegal for most Canadians, and that's the rub insurance companies are using. And trust me, God forbid if your house burned down due to your tomato grow, the Insurance Co would fight you on payout because growing tomatoes indoors is not "usual" to the ownership of "a" dwelling in Canada.

All I'm saying is, if you experience a "total loss" of your dwelling for ANY reason and have MMJ growing indoors (legal or not)....expect a long fight with your Insurance Co while you're staring at the hole in the ground where your home used to be.

You may win in the end, but again they will fight you all the way with their very deep pockets.
 
TheRealDman

TheRealDman

Well-Known Member
gb123 said:
they wont ever!!! No one would want to use their business!!!
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You wouldn't want legit homeowners insurance covering your legal indoor MMJ grow? How do you think homegrows should be regulated to make sure they are safe? That was HC biggest concern , the public safety aspect. IMO...we all have to have homeowners insurance, why not let them ensure we do safely!
 
redi jedi

redi jedi

Well-Known Member
TheRealDman said:
No they wouldn't care in most cases, but tomatoes are legal. I tried using the tomato grow, there's no reasoning with them. MMJ is still illegal for most Canadians, and that's the rub insurance companies are using. And trust me, God forbid if your house burned down due to your tomato grow, the Insurance Co would fight you on payout because growing tomatoes indoors is not "usual" to the ownership of "a" dwelling in Canada.

All I'm saying is, if you experience a "total loss" of your dwelling for ANY reason and have MMJ growing indoors (legal or not)....expect a long fight with your Insurance Co while you're staring at the hole in the ground where your home used to be.

You may win in the end, but again they will fight you all the way with their very deep pockets.
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Yes tomatoes are legal but the point is there is no difference in the actual risk of fire..or any risk the insurance company is concerned of.

I totally understand wanting to CYA...
 
redi jedi

redi jedi

Well-Known Member
TheRealDman said:
You wouldn't want legit homeowners insurance covering your legal indoor MMJ grow? How do you think homegrows should be regulated to make sure they are safe? That was HC biggest concern , the public safety aspect. IMO...we all have to have homeowners insurance, why not let them ensure we do safely!
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The only thing that makes growing at home unsafe, is the people that attempt electrical modifications that have no business doing such. But they take that chance because, to them, its less risky than bringing in an outsider. Like a qualified electrician...
 
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TheRealDman

TheRealDman

Well-Known Member
redi jedi said:
Yes tomatoes are legal but the point is there is no difference in the actual risk of fire..or any risk the insurance company is concerned of.

I totally understand wanting to CYA...
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Again, you cannot force them to insure what they perceive as a risk. I found that out when I lost the Ontario Human Right case.

Checkout section 23 of the Ontario Human Right Code. Insurance companies do not have to insure anything they perceive as risk, even if its discriminatory against disabled peeps like myself.
 
redi jedi

redi jedi

Well-Known Member
TheRealDman said:
Again, you cannot force them to insure what they perceive as a risk. I found that out when I lost the Ontario Human Right case.

Checkout section 23 of the Ontario Human Right Code. Insurance companies do not have to insure anything they perceive as risk, even if its discriminatory against disabled peeps like myself.
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I do not doubt that one bit...sounds about right actually...no risk insurance...lol
 
GroErr

GroErr

Well-Known Member
TheRealDman said:
We have a rural property, 1+ acres.

Every insurance company I called in Ontario said for new policies they require a home inspection. The bank said they needed a new appraisal, because of the increase in housing prices. When we refinanced the mortgage 5 years ago the bank sent an appraiser out then as well, so I'm assuming that's been the norm for quite some time? I was actually OK with the bank appraisal because we have done some upgrades to the house, and ended up getting a very sweet number! :)
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Yeah, rural properties with any acreage they do that for. When my son bought a farmhouse with a barn, they can only get it through one insurer, can't remember the name, co-op or something. They do a full inspection of the property, barns, electrical, pretty invasive if you have an op going.
 
CalyxCrusher

CalyxCrusher

Well-Known Member
GroErr said:
Yeah, rural properties with any acreage they do that for. When my son bought a farmhouse with a barn, they can only get it through one insurer, can't remember the name, co-op or something. They do a full inspection of the property, barns, electrical, pretty invasive if you have an op going.
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Invasive sounds like an understatement. He needs himself a little grow op under the barn like pineapple Express hahaha
 
I

ispice

Well-Known Member
Damnit, this discussion just reminded me my policy was cancelled this summer outta the blue, the letter mentioned breaking the cannabis cultivation clause or some such... ffs
 
Moldy

Moldy

Well-Known Member
TheRealDman said:
I've always grown my own until this past April. I am a MMAR holder (PPL & DG) covered by the injunction, but was shut down by my Insurance Co.

Without going into great detail of a 5 year long, hard sought battle against my homeowners insurance company, they dropped me for growing MMJ in my residence. This happened just at the start of the Allard trial, when Conroy put an insurance industry expert on the stand, saying that MMJ homeowners insurance policies were available in Canada. This was an out right lie! The only insurance company in Canada (Lloyds of London) issuing those policies, stopped doing so when the MMPR came into effect!

I was eventually able to purchase a homeowners policy through Lloyd's of London, but they insisted that no MMJ be grown on the property...inside or out until a decision comes from Phelan.

I've been in contact with my insurance broker since the JT win, and Lloyd's is staying steadfast, no MMJ grown until a Phelan decision, or legislation from the new government.

So a message to all of those currently growing in your residence, you are not covered for total loss. Please refer to your home owner policies for the "grow ops" clause. Check it out, it's there.

God forbid anything happen to your home that constituted a total loss, but be advised…you're insurance company will fight you tooth and nail to not pay because of that "grow op" clause in every Canadian homeowners insurance policy.

I recommend that you all govern yourselves accordingly…
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Something has to be done about ALL insurance companies. They need to be kicked off the US stock exchanges and all those fucking vampires need to be made NON PROFIT so the CEO's don't get to get rich off peoples miseries.
I hate them all.
 
doingdishes

doingdishes

Well-Known Member
TheRealDman said:
Canadian homeowners insurance policies in every province all now ask the question "has MJ ever grown in the residence...medical or not?"

Sure I could've lied, but would've had a hard time explaining why I couldn't let the insurance company inspector into that 15 x 15 room in the basement. Trust me, many times since April I've almost fired the quantum's back up, but have held off waiting for Phelan decision.

Oh and fwiw...as I stated earlier, Lloyds of London was the only insurance company in Canada that was insuring MMAR homegrows before the MMPR to effect. Lloyds has assured me that if a Phelan decision goes in our favour, and/or legislation comes into effect..they will once again offer home owners coverage and flip me over to an "active MMJ grow" policy, with the only stipulation of an electrical inspection. I should add, I am paying roughly 25% more in premiums than a typical homeowner policy.

The insurance industry is quite capable of regulating home grows to make sure that they are safe and of no threat to public safety, while at the same time, ensuring those who choose to grow their own MMJ are adequately covered for home insurance purposes.
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why not put a recliner, old TV with a PS3 or PS4 and say it's a gaming room when they inspect? when they leave, fire up the lights...but if you had a problem, you wouldn't be covered so maybe that's not a great idea.
 
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